Car insurance is compulsory in Dubai and throughout the UAE. You require at least Third Party Liability cover before you can drive, license or transfer any motor vehicle or motorcycle into your name.

With around 11 car insurers in the UAE, motor insurance is easy to get and most of the major insurance companies are well represented in the Gulf region. AXA Gulf is probably the best known for car insurance in Dubai; they have been in the region for many years and offer a comprehensive range of insurance policies, not just for motor vehicles. However, they're not your only option. RAK Insurance, RSA UAE, AIG UAE, Zurich Insurance UAE and Oman Insurance Company are just a few of the available options.

There are 2 types of insurance cover available - Comprehensive cover and Third Party Liability cover. Comprehensive cover offers complete protection in the case of accidents, whether it was your fault or not, along with a raft of other options which may include, depending upon the insurer:

Personal Accident, Injury and Passenger cover: this cover provides you with the option to make sure both yourself and your passengers are covered in the event of injury during an accident involving the insured vehicle. Usually this is an additional cost on top of the basic cover. Examples include Emergency Medical Expenses, which includes cover for up to an agreed sum if medical treatment is needed as the result of an accident and Personal Effects coverage for loss or damage up to an agreed sum if the damage or loss to the vehicle is the result of fire, lightning or external explosion.

Agency Repair: this policy covers repairs on the vehicle but is often only available on new cars, in which case it is possible to get cover of between 2 to 5 years, or cars that are up to 2 and 3 years old. In most instances the cover is usually only available until the car reaches 5 years of age regardless.

Off road and GCC (Gulf Cooperation Council) cover: if you intend to do some desert or off-road driving it's a good idea to make sure you have a car insurance policy that covers this as well.

Excess fee: if you cause an accident the excess fee is what you pay over and above your cover when the vehicle is repaired.

Additional benefits: some other types of cover that may be included either as standard or as optional extras include a replacement car if your car is being repaired, Road Side Assistance including towing to an authorised repairer / service centre if it breaks down and jump starting in the event of a flat battery and so on.

The other type of car insurance is Third Party Liability cover, which only provides cover for the other vehicle if you cause an accident. Any damage caused to your own vehicle is your responsibility to fix. This policy is most commonly taken out with older cars that do not qualify for comprehensive cover.

Applying for car insurance in Dubai and the UAE

When applying for car insurance you will need information like the car's make, model, engine and chassis number. Most insurance companies now offer an online service so you can research the best policies to suit your requirements and budget. It may end up being a lot more convenient however to use an online service that does all the research for you and then presents you with a few of the best options based on your circumstances as provided to them. 8keyz has a no-hassle 3 step online process available on their website to make the whole insurance process fast, easy and efficient.

Vincent Feldman is an Australian journalist writing articles for online vehicle platforms. For more information about their services please visit them at 8keyz.com. Also visit their media gallery to keep up to date with current motoring and cycling information, trends and news. Register today to join this growing family of sellers and buyers, partners and service providers, and start benefiting now from being part of the most comprehensive automotive marketplace in Dubai, Abu Dhabi and the UAE.

Article Source: http://EzineArticles.com/?expert=Vincent_Feldman

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A case of mistaken identity from an auto insurance company can cause YOUR rates to go up. Be sure your insurance knows who you are!

Last year before it was time to renew my auto insurance, I received a letter from my insurance company telling me my renewal rates would increase by over 30% because I had received two speeding tickets.

I've been driving for over 40 years, and have never had a speeding ticket. I was furious, and decided to look into this myself before complaining to my insurance agent.

There is a website that allows you to research Maryland court cases. You simply type in a first and last name, and can see all cases-traffic, civic or criminal-that a person was involved in since the internet has been in use.

I was able to find out there was another woman with the same first and last name as me, who coincidentally had the same birth month and year as I do. (How scary because of identity theft, but that's a topic for another article.) However, her middle name is different, and she lives in another county in Maryland. She had two speeding tickets, and the dates matched what the insurance company referred to in their letter to me.

My insurance company apparently had found this name & these tickets, assumed it was me and didn't bother to look further to verify that it was me.

I sent a letter to the state Insurance Commissioner, complaining about this mistake that caused me to be put into a higher rate bracket. I also faxed copies of the court information to my insurance agent. Once their error was admitted, my insurance company did reduce my premium, but I decided not to renew with them since they had made such a lazy mistake.

I believe rewarding poor customer service by continuing to do business with that company only invites further poor customer service. It's okay to fire your insurance company, or any company that doesn't treat you like their Number One customer.

The lesson here... if you maintain a good driving record, avoiding accidents and tickets, be sure to read all correspondence from your insurance company at renewal time. Question any mistakes and follow up to make sure you are getting the best rate for your driving record.

It's also a good practice to shop for car insurance every year. I do, and I work with an insurance broker who has access to many different companies. Every year she finds a company that offers me a better deal.

You no longer need to remain loyal to same insurance company year after year. They spend a lot on marketing and advertising to get you to sign up with them, but don't spend the money to retain you as a customer. Shopping online for insurance is great, but you may want to spend the time on a phone call to a broker to find out if you can save more on your auto insurance.

I have a theory that if every driver would shop their rates every year instead of blindly accepting the higher renewal rates, the insurance companies would realize it's cheaper for them to keep their customers and they would reduce their rates for existing customer who maintain good driving records.

Don't let underwriting mistakes cause you to pay more for your auto insurance!

Copyright © 2014 Kay Swann

Kay Swann has over 35 years accounting experience managing the financial departments for several businesses. She grew tired of working for others, and now runs her own business providing consulting and accounting services for small businesses and individuals in the Annapolis area in Maryland.

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After a car accident, a no-fault driver may be entitled to additional compensation for their damages. There are a few different types of insurance claims, and achieving a fair settlement may vary.

When a car accident occurs, and a person is seriously injured by an at-fault driver, they may be entitled to file an insurance claim and receive a settlement. In most cases, even for property damage, an insurance settlement is often the most reasonable choice, unless the offer is too low. In this case, an attorney might try to settle out of court for a client; but if an agreement cannot be made, then it's usually taken to court and presented to a judge for ruling. There are several options for pursing a motor vehicle accident claim, as you can see, and more to know about each. Continue reading to learn about filing an auto accident injury or insurance claim, and who to consult for accurate industry advice and counsel.

Insurance Settlements

Just like all other cases, insurance claim settlements vary in outcome. There are a few considerations to be aware of before moving forward with an insurance auto accident claim. For example, if you sustained only minor to moderate injuries, and only require a few doctor visits and check-ups, then a simple insurance claim should cover your damages. Damages include hospital bills, medical expenses, medication, and property damage. With regards to property damage, most insurance companies will pay to cover repairs and paint; but in the case of high-end cars that are expensive to repair, you may not receive an offer from the insurance company to cover all the related and incurred expenses following your accident. If this happens, it might be in your best interest to pursue an out-of-court settlement with the help of a licensed attorney, or take your case to court. Insurance companies want to settle as soon as possible, but quick settlements can be a mistake. This is because once a person signs and accepts the offer, the case is immediately close and cannot be brought back up ever again. If more injury or costs come up after the settlement is closed, the insurance company is not obligated to cover those additional or prolonged expenses. This is why it is important to hire a licensed attorney to facilitate your claim.

Out of Court Settlement

For claims that cannot be sufficiently covered by an insurance settlement offer, an out of court settlement through attorneys may be necessary. In order to receive the compensation that will fully cover all related expenses, medical and property damage, you must take your claim to a lawyer so they can put together a case to present it to the at-fault driver's insurance company or other opposing party. Out-of-court settlements have a few advantages, like flexibility. There is no insurance policy limits to abide by or restrict a case, so you can pursue additional compensation for more related expenses, like time of work, lost wages, pain and suffering, and more. Out of court settlements are best for more serious accidents, damages, and injuries because more compensation can be recovered. For less serious cases, it is easier to just accept an insurance claim settlement.

Contact a licensed personal injury lawyer that specializes in the field of car accident injury claims for a full and fair settlement following a motor vehicle accident. They retain the knowledge, resources, and experience to provide effective representation for all car accident victims and their families.

Call Craven, Hoover, and Blazek P.C. at 317-881-2700, or visit their website at http://www.chblawfirm.com/practice-areas/car-accident-injury.php for presentation following a motor vehicle accident in Indianapolis, Indiana. They offer free initial consultations and never collect attorney fees unless they recover full and fair compensation for all your damages. Call 317-881-2700 and speak with an Indianapolis car accident lawyer today.

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This year the vehicle insurance segment in Russia is facing serious problems. The drastic growth of fraud cases is occurring. This affects both insurance services providers and car owners willing to obtain an insurance contract. Russian insurance lawyers are investigating the situation and giving some advices on dealing with this.

Today car owners in Russia are facing an unusual and ridiculous problem, massively. It often occurs that owners cannot obtain an insurance coverage for their cars because of the shortage of blank contract forms, as insurance companies' managers are telling them. Such cases were completely unknown just three years ago. Russian lawyers community is investigating this problematic situation which affects the growth of Russian vehicle insurance segment.

Such shortages of blank forms are usually occurring in case one is trying to get a minimum compulsory third-party liability insurance (or OSAGO) contract. So what could cause the so-called 'shortage' of blank forms for this type of insurance contract? It appears that it is not the fault of insurance companies' printers; the reason is the greed of insurance companies which have developed a peculiar 'marketing scheme'. They are taking advantage of the problems of car owners who are obliged to obtain this insurance according to the law.

So, the shortage of blank forms of OSAGO insurance contracts is being created in purpose. Insurance companies are taking this step in order to boost sales of other their products and services. Particularly, when a customer comes to an insurance company wishing to get an OSAGO contract, he or she is then proposed to sign a life, health or property insurance contract as well. And in case the customer refuses from this additional service, company's managers say that there are no blank forms for OSAGO contracts. The customer cannot verify this statement of course and has either to agree getting this extra insurance service or just leave.

Basically, in such a situation car owners can complain to the Federal Anti-Monopoly Service of Russia, the Central Bank of Russia or to the Russian Association of Motor Insurers. But practice shows that such complaints do not help much: the only result you can get is a formal report from a controller about an inspection that was made in the company and about the lack of law breaches in this company's actions. Consequently people are turning to insurance lawyers in Russia more and more often.

Still, there is an option. In fact, the service of vehicle insurance (including OSAGO contracts) is a public agreement according to the Article #426 of the Civil Code of Russian Federation and therefore an insurance company does not have a right to refuse this service to a customer. It does not have a right to force a person to acquire extra services prior to getting an OSAGO contract as well.

In case you have faced such an illegal refusal from corporate insurance manager, you need to write down a formal request to sign an OSAGO contract on paper. You should attach copies of all necessary documents to it, provide your phone number and register it in the insurance company's branch office (making sure it is sealed). Most probably, in such a case tomorrow they will call you and propose to come again to their office to sign the insurance contract without persuading you to accept any extra conditions.

Now let us investigate the situation with Russian insurance companies refusing to sign third party liability (usually shortened as KASKO) contracts.

Russian insurance companies are having certain problems in this sphere themselves. Central offices are cancelling KASKO services in regional branch offices because of drastic growth of customer fraud which economic security services of branch offices are failing to mitigate.

The reason is that the number of insurance fraud 'business' schemes which include acquiring an insurance contract for an expensive car and then doing purposeful damage to it (such as cutting the upholstery, making scratches or fissures on the glass) has grown several times during the last two years. Thus, a car owner can receive the compensation from the insurer which is calculated based upon official car dealers' prices for repair parts. At the same time, the damaged car would be actually repaired at a usual low-cost repair shop.

Flaws in Russian insurance legislation result in such fraud schemes being very profitable for those who choose this kind of 'business'. According to information received by Russian lawyers during their professional activities, such schemes are now increasingly used by people who were not involved in fraud schemes earlier.

Economic security departments of insurance companies cannot effectively counter such fraud attempts because they do not have any legal means to perform deep investigations. All they can do is to recommend refusing such claims. But sometimes it makes the situation even worse for an insurer when a car owner whose claim was refused wins this case in a court and receives a sum even bigger than was claimed initially.

The emerging wave of such fabricated insurance claims in Russia has urged many insurance companies to stop providing the service of KASKO insurance and even to quit the Russian insurance market at all. The major part of Russian-based insurance companies used to have the vehicle insurance services as their primary source of income and did not completely realize how many risks are there in this niche; so now these businesses are having a hard time.

So here is an advice for car owners willing to get a vehicle insurance contract in Russia from Russian insurance lawyers. It is better to be very careful when choosing an insurance provider: in case of this company's bankruptcy you would not be able to claim your payment via the Russian Association of Motor Insurers as this organization can only help to compensate losses by OSAGO contracts. Therefore, you would have register as a creditor in the formal bankruptcy procedure, and the more creditors there would be, the smaller chances of getting some compensation you would have.

Article Source: http://EzineArticles.com/8801774

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In the minutes after an accident, you may feel confusion and commit a few errors that may cost you on an auto insurance claim or deferral the procedure of getting installment for the accident. These slip-ups may appear minor and irrelevant, yet it is data and documentation that would help your claims to accelerate the procedure or in a more genuine case, help in safeguarding you in court.

At the scene of the accident, here are a couple of things that you ought to make sure to keep away from:

1. Conceding flaw. There are little chances that your insurance Claim Adjuster can do to guard you against the other driver's guarantor if you have effectively conceded shortcoming to the mischance. Regardless of the fact that you know whether it was your fault, let your accident coverage organization deal with the "fault" in the accident.

2. Not taking pictures. Attempt to take a picture of the accurate scene of the accident, obviously just in the event when it is safe to escape from the auto to do so. If you can't venture out of the auto, pull into the closest, safe stopping region and take pictures of the scene, and also each of the four sides of your auto, odometer and air packs (if the sacks conveyed). Doing this, can truly help you in accelerating the tactic and, as specified before, safeguard you if the case goes to a court.

3. Not calling the police. Indeed with small accidents, you ought to search out a cop to compose an authority police report. Some insurance claim agencies may feel that you may be concealing something deceitful if you report accident without an authority police report.

4. Not getting all important data. Other than getting the other driver's protection data, name, permit plate number, driver's permit number, you'll have to get other data too. A few points that you may be overlooking is the model of the auto, whether there are different travelers in the other auto, if there were kids in the auto, the reacting cop's name and insignia number, names and telephone numbers or any witnesses. This is data that needs to be rounded out when you make a protection claim for the accident.

5. Staying away from medical help. Despite the fact that you may feel fine promptly after the accident, the agony may uncover itself after a couple of days or even months after the fact. It may have appeared to be a light accident, yet the effect on your body may be extreme, for example, whip lash. Mention sure, say any harm to your protection claims agent with the goal that they can cover your doctor's visit expenses as well.

6. Not informing your insurance claim agency instantly. There are circumstances where the harm doesn't appear to be a great deal and the other driver implores you not to make an insurance claim so they can simply pay out of pocket. It is best if you tell them that you must report all accidents so that your transporter can take care of the expense of harms. Expenses may be higher than the other driver evaluated and they will be unable to blanket it out-of pocket.

Dodge these six oversights to accelerate your insurance claim process and to help in safeguarding your case. Pictures and authority police reports are the most ideal method for verifying that your actualities are correct.

A good car insurance firm can help you to provide a good insurance services. I hope above tips can help you to get a suitable insurance firm for your car.

Article Source: http://EzineArticles.com/8709747

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I support breast cancer awareness, but not in the typical fashion. I think our money, resources, and focus would be better allocated in different ways, such as educating the public on the prevention of this disease.

As I scroll through Facebook or flip through the channels on TV, I'm seeing a lot of pink, as I do every October. Because of this, I have struggled for days trying to write this article eloquently and without offending anyone who holds this cause so close to their heart.

So here goes nothin'.

I have respect for anyone that is putting his or her time and money towards a cause that they champion. I respect anyone that has fought breast cancer, is still fighting, is a survivor, or who has lost their battle. There is no denying that it is an ugly disease. I'm enlightened to see champions of the cause; people running marathons and donating money; NFL players and cheerleaders donning pink uniforms; companies contributing a percentage of profits to help find a cure. It makes you feel good. It makes you feel useful. It makes you feel like we're gaining on this disease.

But it makes me feel sad.

If you'd like, you can go on the Internet and research how little of your donated money actually goes towards "finding a cure". You can look up the companies that are painting their products pink, only to keep all the profits. You can research all the entities selling pink products made with materials and chemicals that actually cause cancer.

To me, this is all irrelevant. I'm not here to be a whistleblower. I'm here to shift the paradigm. Much of the focus during Breast Cancer Awareness month is on just that: the awareness. But I'm afraid, we are aware. So much so, that it's almost suffocating. What's worse? Our awareness is focused in the wrong area.

We're focusing on finding a cure when there is no cure to be found.

We're focused on spreading awareness for early detection, as if everyone will be inflicted with breast cancer.

We're focused on buying pink 'things' that go towards curing breast cancer, when breast cancer is a preventable disease.

We're focused on blindly feeding ourselves a cancer-causing diet and allowing ourselves to live in a toxic environment instead of educating ourselves on the lifestyle-disease correlation. The breast cancer awareness campaign is far removed from its initial mission to cure cancer. It is now a profit-producing machine that teaches people how to perpetuate this disease rather than prevent it.

In college, I was a member of the Zeta Tau Alpha Fraternity, whose philanthropy is breast cancer education and awareness. I woke up at the crack of dawn every October to volunteer at Race for the Cure. I swooned over every pink item I laid eyes on and scraped the money together to purchase it. I handed out pink ribbons and shoelaces at NFL games. I hosted awareness events on my campus, collaborated with other organizations that wanted to join the cause, organized fundraising events, and took pride in reaching philanthropy goals. I felt so empowered by participating in these things because I, myself am faced with a 50% chance of developing breast cancer. But I have to wonder, was my focus misguided? Should I have been teaching my peers how to prevent cancer? Should I have been offering cooking classes and shopping lessons? Should I have been researching environmental toxicity? Should my sorority's priorities have been elsewhere?

Yes.

Today, I want to give you a different route to take. Today, I want to take a true stance against breast cancer, all other cancers and all lifestyle diseases. Today I want to show you that there are better ways to spend your time, efforts and money. Let's shift this paradigm and be part of the solution.

Here are 5 things you can do with your money during the month of October OTHER THAN buy pink shit:

1.) Buy vegetables. It's as simple as it sounds. Throw out that shit you call food in your pantry and go buy some local, fresh, organic vegetables. Then eat them. If the food you eat was made in a factory, its creating an environment in your body that cancer loves to live in. If it makes you feel better, tweet a picture of your newly acquired veggies and proclaim your dedication to breast cancer prevention. What will it take to get you guys to a Farmers Market? Pink vegetables?

2.) See a doctor who doesn't prescribe medication. Find a chiropractor or an integrative doctor or a homeopathic doctor. Let them evaluate your true state of health and empower you with life-changing habits that will bring your body back to a healthy state. It's important to see a professional that will help you figure out what's causing the fire, rather than help you douse it with water.

3.) Purchase garden supplies. Yes, winter is on our doorstep but that means garden supplies will be on sale. Get everything you need to grow your own produce when the weather warms up next year. Spend sometime educating yourself on how to grow your own food.

4.) Support a different cause. A sustainable food system in the United States is one that desperately needs our attention and has a direct impact on the rate of breast cancer in America. Factory farming, GMO practices and chemicals are killing humans, ruining the planet and creating enormous health care costs. Pick a cause that needs real help. Find an organization that raises money for the prevention or alternative treatment of illness rather than the elusive cure.

5.) Use your money for yourself. There are absolutely countless ways to improve your health and create an environment in your body in which cancer cannot possibly live. Join a gym. Purchase food-based supplements. Take a yoga class. Explore spirituality. Make your own cleaning supplies. Remove toxins from your home and work environment. Be your own advocate. Don't leave it up to gigantic organizations that are using your money for marketing and salaries. Open your eyes. YOU have the power to prevent this disease

In conclusion, let's stop shouting "find a cure!"

Instead, let's empower the public with education. Let's teach people how they can prevent cancer. Let's explore and, yes, research other methods of treatments; ones that aren't so toxic to our bodies. Stop buying pink stuff and start taking accountability for your body! Then you're truly joining the fight against breast cancer!

Article Source: http://EzineArticles.com/8758157

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Buy Car Insurance Online - 3 Ways to Get the Job Done

Online quote providers now make it easy to buy car insurance online. This article offers three ways to guide the consumer through the process.

housands of consumers are forsaking their local insurance agent and seeking to buy car insurance online. It's easy so see why -- the time spent shopping online can be a fraction of the time spent talking on the phone with multiple agents. But there are several ways to buy car insurance online, and a few factors to keep in mind with each. Let's begin by taking a quick look at three different methods to buy car insurance online.

1. You can solicit a quote from one specific company. If you have already chosen a particular insurance company (perhaps the one with which you're already insured), you can submit an application online at that company's homepage. All major insurance companies accept online applications.

This method allows you to submit the information when it's convenient for you -- perhaps in the evening when you have the time but your local insurance agency is closed. Then the insurance company will review your application and contact you with a quote. They may email the quote or have your local agent contact you. The downside is that you won't have quotes from other insurance companies for comparison.

2. You can solicit a quote from an online insurer. An online insurer is an insurance company that does business only on the internet, such as Esurance. They have no local agents and they aren't licensed to provide insurance in all states. However, if you live in one of the states in which they are licensed (they will let you know when you apply), the online insurer will provide an immediate quote to you by email. The benefit is the quick response time, but the drawback is that once again, you are only getting one quote. To get multiple quotes for comparison purposes, you would have to submit applications to multiple online insurers.

3. You can solicit multiple quotes from an online quote provider. An online quote provider, such as NetQuote, is a company who has relationships with dozens of the largest insurance companies. By submitting one application with an online quote provider, you can receive multiple quotes from a number of different insurers.

Most online quote providers have relationships with all of the various kinds of insurance companies, so you are likely to receive quotes from local agents in your area, as well as large national insurance companies who do business in all fifty states. Depending on the state in which you live, you are also likely to receive instant emailed quotes from an online insurer such as Esurance. This method allows you to get multiple quotes for comparison purposes without having to submit multiple applications.

Which of these three methods is best for you will depend on the amount of time you have to invest shopping for car insurance quotes, and the number of quotes you are seeking.

If you are ready to buy car insurance online [http://www.shop-car-insurance.com/11.html], you may want to visit the online quote provider recommended below. They provide at least five free quotes with one application.

Barbara Dearing is a freelance writer, specializing in topics that help consumers save money in a variety of areas. She recommends the following website for consumers seeking multiple car insurance quotes: [http://www.shop-car-insurance.com]

Article Source: http://EzineArticles.com/?expert=Barbara_Dearing

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